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Hey - That's me in the article. The 35 year old guy! And the feedback from the AMEX spokeswoman is bull. Well in my case, it is bull. Nothing has changed with my file and if anything it continues to improve as I have not applied for new credit in a long time, utilization continues to remain low, etc etc.

The thing they did not include was the day I received this letter from AMEX, I went and checked on my accounts online and for the first time ever I had a pre-approval showing for a Platinum AMEX.

I continue to do business with them. They have been good to me and I in return have been good to them and have paid on time all of my cards over the last 4-5 years. But this letter I received ticked me off. Maybe they didn't like that fact that once I got my credit situation together last year, I paid all of my balance off and PIF ever since!